Getting Money Is One Thing… But Knowing How to Manage It? That’s the Real Power. Getting Money is Easy… Keeping It? That’s Where the Game Is. You don’t need millions to grow wealthy — you need discipline, direction, and a plan. Here are 10 no-nonsense money management tips to help you stop going broke even when you're earning: --- 1. Pay Yourself First Before you touch that paycheck, save at least 10%. Your future self will thank you. 2. Track Every Shilling Know where your money is going. Budget apps or a simple notebook can expose your silent money leaks. 3. Cut Emotional Spending Buying things just to “feel good” will leave your account feeling empty. Control the impulse. 4. Live Below Your Means Just because you can afford it doesn’t mean you should. Peace of mind > flexing. 5. Build an Emergency Fund Start with KSh 10,000. Life happens — don’t let one crisis wipe you out. 6. Set Money Goals Saving for nothing leads to spending on everything. Save with purpose: land, car, business, etc. 7. Invest Wisely Don’t let your money sleep in the bank forever. Learn to invest — even if it’s small. It grows. 8. Avoid Bad Debt Borrowing for lifestyle, not investment, is a trap. Know the difference. 9. Set Clear Financial Goals Saving without a goal is boring. Whether it’s a business, plot, or trip — give your money a mission. 10. Learn About Money Read books, watch YouTube, follow finance creators. Money grows when knowledge does. 11. Invest Consistently Don’t wait for millions. Start small — money working for you beats money just sitting. #nakupenda #Utom58 #De_NextVerYou #MONEY

PUNCH Newspaper *The unseen crisis facing Nigerian men (moment Otunba Kunle Akinyele collapsed)* *Message not just for Men alone, but for everyone* 5th May 2025. Ganiyu Olowu *When Otunba Kunle Akinyele, a respected hotelier in Lagos, slumped and died at his wife’s 60th birthday thanksgiving, the nation gasped in disbelief. One moment, he was celebrating life and love; the next, he lay lifeless at the altar of joy*. The video is haunting — *a man gesturing, gasping, reaching for help in a sacred space, surrounded by those he loved but alone in his final battle.* This was not just a death. It was a metaphor of silent suffering, buried exhaustion, and what men have come to normalise in the name of strength. Akinyele’s case is not isolated. It is one of many chilling examples of how Nigerian men, particularly in their mid- to late years, are collapsing under the weight of responsibilities, unspoken pain, and undiagnosed illnesses. According to the World Health Organisation, men in sub-Saharan Africa, including Nigeria, are 2.4 times more likely to die prematurely from preventable causes than women. This alarming disparity is fuelled by cultural and behavioural factors: men are less likely to seek medical help, more likely to suppress emotional turmoil, and often glorify suffering in silence. In Nigeria, cardiovascular diseases, hypertension, and untreated mental health conditions are among the leading causes of sudden deaths in men. So This Happened (215) Reviews Death Of Lagos... In 2019, Pastor Taiwo Odukoya—admired for his strength and spiritual leadership—passed away quietly after years of enduring deep emotional losses and reportedly ongoing health complications. His resilience was legendary, but it masked what many now see as untreated grief, intense stress, and likely silent medical conditions. Then came the sudden death of veteran broadcaster Ayo Oduleye, better known as MC Loyo, who slumped while compering an event in Ibadan. His charm and humour lit up stages, but in the blink of an eye, the microphone fell silent. Just like that. Similarly, the passing of Mr Ibu (John Okafor) in early 2024, after months of battling illness, reminded the country of how many male entertainers struggle financially and physically behind the scenes, putting on a show while their bodies deteriorate. Masculinity, when warped, can become a silent weapon—not just against others, but against oneself. *ENDEAVOUR TO TAKE GOOD REST PLEASE* Globally, the story remains the same. In 2014, beloved comedian Robin Williams died by suicide, a victim of masked depression. And in 2022, cricket legend Shane Warne died suddenly of a heart attack, a casualty of silent coronary disease and an overstretched lifestyle. Yet while statistics shock and headlines haunt, the everyday grind of the average Nigerian man tells an even sadder tale. Take Lagos, Nigeria’s commercial capital—the city that never sleeps, and where many men now barely do. A significant number of working-class men reside on the mainland or in Ogun border towns like Mowe, Ikorodu, Sango Ota, or Ibafo but must commute to the Island for work—a journey that often begins by 4:00 a.m. and ends by 9:00 p.m. on return. This is no exaggeration. Studies from the Lagos Metropolitan Area Transport Authority reveal that Lagosians spend an average of four to six hours daily in traffic—with many men doing these five to six times a week. That is over 1,400 hours a year lost in gridlock—time stolen from rest, from family, from reflection. For these men, the day begins before the rooster crows. They rush into overcrowded buses, endure fumes of frustration, only to return home when their children are already asleep. There is no room for hobbies, hardly any time for checkups, no outlet for pain. Sleep is a luxury. Rest is a myth. And joy is rationed, like fuel in a scarcity season. This modern man is constantly running on empty—physically present but emotionally absent, financially committed but spiritually depleted. And society applauds his hustle, without asking at what cost. The idiom says, “Heavy is the head that wears the crown,” but what if the crown is invisible, made not of gold but of expectations, bills, unspoken grief, and sacrificial silence? Men are praised for providing, for showing up, for being “rocks”. But even rocks erode—silently, slowly, and then all at once. The greatest tragedy is not that they die, but that they are dying unseen. Consider the tragic case of a 42 year old engineer in Port Harcourt who collapsed at his workstation after weeks of working overtime to meet project deadlines. His colleagues described him as “dedicated to a fault”, but his sudden death revealed the dangers of ignoring signs of burnout and hypertension. Another heartbreaking example is the story of a young entrepreneur in Enugu who passed away in his sleep after complaining of chest pains for weeks. Despite his family’s pleas, he refused to visit a doctor, citing his busy schedule and financial obligations. His autopsy later revealed undiagnosed cardiovascular disease—a silent killer that could have been managed with timely intervention. One unforgettable story is that of Samuel Okwaraji, the gifted footballer and patriot who gave everything to his country on the football pitch. In 1989, during a World Cup qualifier against Angola in Lagos, Okwaraji collapsed and tragically died of congestive heart failure at just 25 years old. His life, so full of promises, was cut short under the intense demands of national expectation. The harsh conditions of the game that day, combined with the immense physical and psychological pressures he faced, ultimately proved too much. These stories compel us to ask: What are we doing to ourselves in the name of strength? Why does the world celebrate silent suffering but frown upon seeking help? Dr Salawu Abiola, a psychiatrist at the Federal Neuro Psychiatric Hospital in Yaba, offers critical advice for men navigating these pressures. He emphasises the importance of prioritising rest, adequate sleep, and regular health checkups. “If you work and die today, someone will replace you at the workplace, but no one replaces you in the family,” he warns. Abiola advocates setting realistic goals, managing time effectively, and creating moments of joy and relaxation amid life’s challenges. He also highlights the need for men to engage in positive activities, such as exercise, hobbies, and socialising with supportive people, to release built-up tension and foster mental well-being. Check your vitals before you check your wallet. Monthly profit means nothing if your heart gives out unexpectedly. Your strength is not in how much you carry but in how well you manage your load. Therapy is not weakness. It is a repair. Just like a car needs servicing, your mind and soul need realignment. Build relationships where you are more than a provider—where you are allowed to cry, collapse, confess. A good name is better than riches, but good health is the foundation of both. As Chinua Achebe once said, “When the drumbeat changes, the dance must also change.” The drumbeat of life today is faster, louder, and less forgiving. Men must adjust their rhythm. Health is the new wealth. Silence is no longer golden; it is dangerous. *Ganiyu Olowu, a public affairs analyst, writes from Lagos*. punchng.com ©️ 1971- 2025 Punch Nigeria Limited *MAY WE ALL LIVE LONG IN JESUS NAME* 🙏 CULLED #olufaderomi #grace

Hi family ✋ Here's my daily gem for 2day Your journey won’t look like anyone else’s. That’s not failure, it’s uniqueness. Keep going. Don't stop, believe in your self more and you'll be shocked at how much progress you'll make. Bye lovessss #grace #lilywealth

Happy new week fam Here's my monday morning 🌞 Gem on health Your body is your first home. When you nourish it, it rewards you in ways money can’t buy: energy, clarity, and strength. Fitness isn’t a trend, it’s self-respect. Take care of your body It's very important 💯 I'll see you tomorrow morning for another amazing gem. #grace #health #LilyWealth.

You guys,😊😂 I'm super excited, I just got tipped by @adoluju70, Thanks alot for your generosity this morning, I'm grateful Fams pls thank @adoluju70 for me 💯🙏🤍😊 #grace #LikuWealth.

Nigerians never Learn. This is the list of Ponzi schemes that have made away with Nigerians hard-earned money yet they still fall mugu MMM Nigeria – 2016 Ultimate Cycler – 2016 Get Help Worldwide (GHW) – 2016 Twinkas – 2016 Icharity Club – 2016 Crowd Rising – 2016 Claritta – 2016 Help2Get – 2016 Loopers Club – 2016 Givers Forum – 2016 NNN Nigeria – 2017 MMM Cooperation – 2017 GCCH (Global Crediting Cooperative Hub) – 2017 Money Riot – 2017 RevoMoney – 2017 SwissGolden (Nigeria version) – 2017 NNU (Nigeria News Update) – 2017 Peer2Peer Donation – 2017 Twinkas Reloaded – 2017 Donation Hub – 2017 MyBonus – 2017 ZarFund – 2017 Bitclub Advantage – 2018 Million Money – 2018 Helping Hands International – 2018 DGSOUK – 2018 Pennywise – 2018 Loom – 2019 Crowd1 – 2019 Lion’s Share – 2020 InksNation – 2020 Baraza Multipurpose Cooperative – 2020 Racksterli – 2020 86FB (aka 86Z) – 2021 Eagle Cooperative – 2021 Royal Q (Nigerian scam version) – 2021 FINAFRICA – 2021 Ovaioza Farm Produce Storage – 2022 QNet (Nigeria) – 2022 Afriq Arbitrage System (AAS) – 2022 MBA Forex – 2022 Chinmark Group – 2022 Inksledger – 2022 Axim Exchange – 2022 Compoundly – 2024 CALA (Cala Finance) – 2023 6Dollars Investment – 2023 Sidra Investment (cloned scam version) – 2024 WealthBuddy – 2024 BitFinance Global – 2025 CBEX-2025 How many of them duped you?#Olufaderomi#peejay

Health is wealth #Grateful

Let’s play a game! You just woke up… and somehow, you now have ALL the money in the world. No limits. No bills. Just pure freedom. First 3 things you’re doing with your unlimited wealth? Drop them in the comments—be honest, be wild, be YOU! I’ll start: 1. Buy a private island with Wi-Fi and my closest friends. 2. Fund clean water projects across the globe. 3. Host a “no rules” pizza party in space. Your turn! Let’s see how creative (or generous) you are. Go! #Focus @everyone

We may be less upset by our own poverty than by the wealth of others #Favour #ForTUNate_2016

*MEDICAL NUMBERS IN THE LIFE OF EVERY HUMAN BEING* 1. Blood pressure: 120 / 80 2. Pulse: 70 - 100 3. Temperature: 36.8 - 37 4. Respiration: 12-16 5. Hemoglobin: Males (13.50-18) Females ( 11.50 - 16 ) 6. Cholesterol: 130 - 200 7. Potassium: 3.50 - 5 8. Sodium: 135 - 145 9. Triglycerides: 220 10. The amount of blood in the body: Pcv 30-40% 11. Sugar: for Children (70-130) Adults: 70 - 115 12. Iron: 8-15 mg 13. White blood cells: 4000 - 11000 14. Platelets: 150,000 - 400,000 15. Red blood cells: 4.50 - 6 million.. 16. Calcium: 8.6 - 10.3 mg/dL 17. Vitamin D3: 20 - 50 ng/ml (nanograms per milliliter) 18. Vitamin B12: 200 - 900 pg/ml *Tips for those who have reached Over:* the *40years* the *50* the *60* *First tip:* Always drink water even if you don't feel thirsty or need it... the biggest health problems and most of them are from the lack of water in the body. 2 litres Minimum per day (24 hours) *Second tip:* Play sports even when you are at the top of your preoccupation...the body must be moved, even if only by walking...or swimming...or any kind of sports. 🚶 Walking is Good for a Start... 👌 *Third Tip:* Reduce food... Leave excessive food cravings... because it never brings good. Don't deprive yourself, but reduce the quantities. Use more Of Protein, Carbohydrates based Foods. *Fourth tip* As much as possible, do not use the Car unless absolutely necessary... Try to reach on your Feet for what you want ( grocery, visiting someone...) or any goal. Climb Stairs, than use Elevator, Escalator *Fifth tip* let go of ANGER... let go of Anger... let go of anger... Let go of Worry.... try to overlook things... Do not involve yourself in situations of Disturbance... they all diminish health and take away the splendor of the soul. Choose a babysitter you feel comfortable with. Talk to People who are Positive and Listen 👂 *Sixth tip* As it is said..leave your Money in the Sun.. and sit in the Shade.. don't limit yourself and those around you... money was made to live By it, not to live For it. *Seventh tip* Don't make yourself feel Sorry for anyone, nor on something you could not Achieve, Nor anything that you could not Own. Ignore it, Forget it; *Eighth tip* Humility.. then humility.. for Money, Prestige, Power and Influence... they are all things that are corrupted by Arrogance and arrogance.. Humility is what brings people Closer to you with Love. ☺ *Ninth tip* If your hair turns Grey, this does not mean the End of Life. It is proof that a Better life has Begun. 🙋 Be Optimistic, live with Remembrance, Travel, Enjoy yourself. Make Memories! *It may help someone when you share it*👀 TO ALL ELDERS IN THE HOUSE, KINDLY FOLLOW UP. IT IS VERY NECESSARY TO FOLLOW THIS INSTRUCTION STEP BY STEP. HEALTH HINTS FOR MY ELDERS ****************** However busy you are, observe all these to remain healthy: :::::::::::::::::::::::::::::::::::: Drink less milk in your tea. Instead, add lemon or lime juice. ~~~~~~~~~~~~~~ In the day time, drink more water; but night time, drink less. ~~~~~~~~~~~~~~ In the day don't drink more than 2 cups of coffee, Advisable To Stop Completely too. ~~~~~~~~~~~~~~ Eat less oily foods. ~~~~~~~~~~~~~~ Best sleeping times are between 10pm to 6am. ~~~~~~~~~~~~~~ In the evening, eat little or nothing after 5 or 6pm. ~~~~~~~~~~~~~ Don't take medicines with cold water but with warm, and take your medicines half an hour before going to bed. Never take medicines and lie down immediately. ~~~~~~~~~~~~~~ As you aged further , stop drinking chilled water but drink only water at room temperature ~~~~~~~~~~~~~~ Try to sleep for at least 8 hours per day. ~~~~~~~~~~~~~~ Having a nap for an hour and a half between noon and 3pm, to relieve stress and keep younger and not age easily. ~~~~~~~~~~~~~~ Once your mobile phone battery is left with only one bar, don't make calls anymore, because the dangerous radiation and waves are one many times higher than a fully charged battery. ~~~~~~~~~~~~~~ Use your left ear to answer calls, right ear will directly hurt your brain. 😳 Better still to use earphones to answer calls. ~~~~~~~~~~~~~~ Two things to check as often as you can: (1) Your blood pressure (2) Your blood sugar. ~~~~~~~~~~~~~~ Six things to reduce to the minimum on your foods: (1) Salt (2) Sugar (3) Preserved meat and foods (4) Red meat especially roasted (5) Dairy products (6) Starchy products ~~~~~~~~~~~~~~ Four things to increase in your foods: (1) Greens/vegetables (2) Beans (3) Fruits (4) Nuts ~~~~~~~~~~~~~~ Three things you need to forget: (1) Your age 😮 (2) Your past 🤔 (3) Your worries/grievances 👍🏽 ~~~~~~~~~~~~~~ Four things you must have, no matter how weak or how strong you are: (1) Friends who truly love you (2) Caring family (3) Positive thoughts (4) A warm home. ~~~~~~~~~~~~~~ Seven things you need to do to stay healthy: (1) Singing (2) Dancing (3) Fasting (4) Smiling/laughing (5) Trek/exercise (6) Have sex often with your love (7) Reduce your weight. ~~~~~~~~~~~~~~ Six things you don't have to do: (1) Don't wait till you are hungry to eat (2) Don't wait till you are thirsty to drink (3) Don't wait till you are sleepy to sleep (4) Don't wait till you feel tired to rest (5) Don't wait till you get sick to go for medical check-ups otherwise you will only regret later in life (6) Don’t wait till you have problem before you pray to your God. ~~~~~~~~~~~~~~ One thing you must do after reading these health tips: (1) Forward this to your loved ones and friends, and as you do so, may God bless U. ================= While go about your normal business please let's remember to always check our body to know how fit you are. Health is wealth. MEDICAL FITNES HIGH BP ---------- 120/80 -- Normal 130/85 --Normal (Control) 140/90 -- High 150/95 -- V.High ---------------------------- PULSE -------- 72 per minute (standard) 60 --- 80 p.m. (Normal) 40 -- 180 p.m.(abnormal) ---------------------------- TEMPERATURE ----------------- 98.4 F (Normal) 99.0 F Above (Fever) Please help your Relatives, Friends by sharing this information.... Heart Attacks- - - Drinking Warm Water: This is a very good article. Not only about the warm water after your meal, but about Heart Attack's . The Chinese and Japanese drink hot tea with their meals, not cold water, maybe it is time we adopt their drinking habit while eating. For those who like to drink cold water, this article is applicable to you. It is very Harmful to have Cold Drink/Water during a meal. Because, the cold water will solidify the oily stuff that you have just consumed. It will slow down the digestion. Once this 'sludge' reacts with the acid, it will break down and be absorbed by the intestine faster than the solid food. It will line the intestine. Very soon, this will turn into fats and lead to cancer . It is best to drink hot soup or warm water after a meal. French fries and Burgers are the biggest enemy of heart health. A coke after that gives more power to this demon. Avoid them for your Heart's & Health. Drink one glass of warm water just when you are about to go to bed to avoid clotting of the blood at night to avoid heart attacks or strokes. A cardiologist says if everyone who reads this message sends it to 10 people, you can be sure that we'll save at least one life. ... So, please be a true friend and send this article to people you care about. Must read 👆👌 FOR THE YOUNG ONES 👇 Cheers And Enjoy life Know your genotype before you say yes to that handsome guy or to that beautiful lady whom you wish to spend the rest of your life with... Genotype & It's Appropriate Suitor: AA + AA = Excellent AA + AS = Good AA + SS = Fair AS + AS = Bad AS + SS = Very Bad SS + SS = Extremely Bad (In fact, don't try it) #SickleCellAwareness 💉BLOOD GROUP COMPATIBILITY 💉 What’s Your Type and how common is it? O+ 1 in 3 37.4% (Most common) A+ 1 in 3 35.7% B+ 1 in 12 8.5% AB+ 1 in 29 3.4% O- 1 in 15 6.6% A- 1 in 16 6.3% B- 1 in 67 1.5% AB- 1 in 167 .6% (Rarest) Compatible Blood Types O- can receive O- O+ can receive O+, O- A- can receive A-, O- A+ can receive A+, A-, O+, O- B- can receive B-, O- B+ can receive B+, B-, O+, O- AB- can receive AB-, B-, A-, O- AB+ can receive AB+, AB-, B+, B-, A+, A-, O+, O-b This is an important msg which can save a life! A life could be saved.... EFFECT OF WATER 💐 We Know Water is important but never knew about the Special Times one has to drink it.. !! Did you ??? 💦 Drinking Water at the Right Time ⏰ Maximizes its effectiveness on the Human Body; 1⃣ 1 Glass of Water after waking up - 🕕⛅ helps to activate internal organs.. 2⃣ 1 Glass of Water 30 Minutes 🕧 before a Meal - helps digestion.. 3⃣ 1 Glass of Water before taking a Bath 🚿 - helps lower your blood pressure. 4⃣ 1 Glass of Water before going to Bed - 🕙 avoids Stroke or Heart Attack. 'When someone shares something of value with you and you benefit from it, You have a moral obligation to share it with others. #Healthiswealth #Discipline

1. Change Your Money Mindset To escape poverty, you must first believe it's possible. Many people are raised to think that wealth is for others—not them. That mindset keeps them stuck. What to Do: • Begin affirming wealth and abundance daily. • Read mindset-changing books like Think and Grow Rich by Napoleon Hill or The Secrets of the Millionaire Mind by T. Harv Eker. • Replace negative money thoughts ("I’ll always be broke") with positive ones ("I am building wealth step by step"). #paddylay

Good health is everything. #healthiswealth #goviral